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14477 Home Insurance Rates & Premiums

Did you know there are over 1,501 people living within the 14477 zip code area? There are over 608 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 14477.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in New York are on the rise. The estimated average premium is around $994 a year for a standard homeowners insurance policy in Kent. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Kent, NY Homeowners Insurance Quotes Online

14477 Home Insurance Average Premiums

Local 14477 homeowners insurance quotes comparison

$744 /yr.

Shows Zip Code: 14477 lowest rates with discounts applied on average.

For the 14477, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)		$744 /yr.
Average Coverage:$994 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1294 /yr.

What is the average home insurance cost for a home in 14477?

  • • The average homeowners insurance premium paid annually for a home in 14477 is around $994 per year.

What does it cost on average per month for home insurance in 14477?

  • • Homeowners in 14477 pay a monthly average cost per month around $83.00.

What kind of discount could I get if I combine my home and auto insurance together in 14477?

  • • Autoowners in 14477 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Kent area, check out other zip codes nearby 14477.
Review average rates in another zip code:
14477 homeowners insurance rates

Home Replacement Cost Coverage in 14477

Average Building Cost Per Square Foot in 14477: $205

Location: Kent, New York (Orleans County)

Average Square Footage in 14477: 698 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 14477 before you start any project. Kent homeowners pay on average around $205 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 14477 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 14477 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 698 sq. ft. and the average cost to rebuild the home in this area is around $205 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Kent area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$205698$143,000
Additional Upgrades & Added Features$256698$178,750
Major Home Updates or Advancements$308698$214,500

It's important to understand that when you estimate your replacement cost of your home in the 14477 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 14477

Best Home & Auto Insurance Agencies in 14477

Housing Demographics for 14477

Population Review for 14477 Zip Code

For the city of Kent, the population within 14477 has increased to over 1,714 residents in population size. The current population total is 1,501. We have broken down the population based on race below. In 14477, there are over 785 in male population and 716 females.

PopulationValues
Total Population1,501
White Population1358
Black Population22
Hispanic Population61
Asian Population0
Hawaiian Population0
Indian Population17
Other Population20
Male Population785
Female Population716
Population Estimate1714

Household Data for 14477

The average number of homes in 14477 is around 608, there are an average of 2.47 per household. The average house value according to local real estate values is around $143,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode608
Persons Per Household2.47
Average House Value$143,000
Income Per Household$72778
Median Age49.2
Median Age Male47.9
Median Age Female49.7
14477 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code585
CityKent
City Alias NameKENT
CountyOrleans
County FIPS073
State FIPS36
Time Zone5
Day Light SavingY
MSA6840
PMSA
CSA464
CBSA40380
CBSA_DIV
CBSA_TypeMetro
CBSA_NameRochester, NY
MSA_NameRochester, NY MSA
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses17
Number Of Employees70
Business First Quarter Payroll395
Business Annual Payroll2356
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population1054323
CBSA Division Population0
Congressional District25
Congressional LandArea510.19
Delivery Residential694
Delivery Business13
Delivery Total742
Preferred Last Line KeyV14136
Classification Code
Multi-County
CSA NameRochester-Batavia-Seneca Falls, NY
CBSA_DIV_Name
City State KeyV14136
Land Area27.207000
Water Area0.120000
City Alias Code
City Mixed CaseKent
City Alias Mixed CaseKent
Box Count29
SFDU669
MFDU0
State ANSI36
County ANSI073
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number354345
Unique ZIP Name
SSA State County Code33550
Medicare CBSA Code40380
Medicare CBSA NameRochester, NY
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseOrleans

New York Homeowners Insurance News & Information

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    The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]